3. If you get a cruise for somewhere between $75 and $100 a day, it’s likely a good deal, but it’s not an “all-in” price. You WILL spend money on the ship — in the casino, buying shore excursions, gratuities, paying for drinks — soda as well as booze. Our rule of thumb is double the cost and you’ll be close.

4. Don’t dismiss on-board credits — they are valuable. It’s money in your pocket, or at least on your account, which is paid by your pocket.

5. Upgrades are a bonus if you don’t mind being in your room, watching the water go by and not spending.

6. If you’re comfortable with making your own shore excursions, you can make great financial deals, always remembering that the ship that won’t wait for you.

7. Watch for re-positioning cruises, because it’s not for everybody and there are often empty staterooms.

8. As boring as it is, read the fine print — you must know exactly what you’re getting.